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Accurate Life Insurance Quotes & RatesMon, 19 Sep 2016 17:21:31 +0000en-UShourly1https://wordpress.org/?v=4.8.1Save big on cable and high speed internet bundles with www.1800mybundle.comhttps://www.insuraquote.com/blog/2016/09/19/save-big-on-cable-and-high-speed-internet-bundles-with-www-1800mybundle-com/
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A recent study shows Americans have even less insurance since the recession, leaving their families vulnerable.

“Life insurance is usually last on the list of important-but-necessary items people want to spend money on, because, let’s face it, no one wants to dwell on the circumstances in which it could come in handy. Now, in the wake of the Great Recession, people have even less insurance than before, which leaves families unprepared to cope with potential tragedy.

The gap between the amount of life insurance Americans actually have and the amount they think they need has now widened to about $320,000, according to a recent survey of 1,004 respondents by New York Life Insurance. Respondents on average said they needed about $540,000 worth of insurance, but they only had $220,000 last year.

Similarly, between 2004 and 2010, the number of people with life insurance dropped from 78 percent to 70 percent, says Bob Kerzner, CEO and president of LIMRA, a financial services industry group. “So three in 10 households in the United States have absolutely no life insurance whatsoever,” he says. He attributes the large drop partly to the recession and the fact people don’t – or at least think they don’t – have the money to afford a life insurance policy.

Kerzner says people tend to think that life insurance is about three times more expensive than it actually is. “There’s the perception that it costs more than it does, so they think it won’t fit into their budget, even when it might,” he adds. LIMRA surveys have also found that about half of households say they believe they don’t currently have enough life insurance.

Millennials, who are now in their 20s and early 30s, are particularly likely to be underinsured. A LIMRA survey released last month found that if the primary breadwinner were to die, six in 10 Gen X and Gen Y Americans said their households would suffer financially, versus just over one-third of baby boomers. The survey, based on 6,000 respondents, found that Gen Y is also less likely to have life insurance compared to older generations. Just one-third have individual life insurance policies, compared to about half of baby boomers.

“Young people in general tend to assume they’re absolutely invulnerable,” says Steven Weisbart, chief economist for the Insurance Information Institute. But young adulthood is also an ideal time to lock in low rates on policies, he adds. “When you’re young, it’s really cheap … This is a good time to buy,” he says.”

Don’t let your family become a statistic. Get covered & protect your family today. Click HERE to get a Free Quote!

Source: usnews.com 06/16/2014 by Kimberly Palmer

]]>Think You Don’t Qualify For Life Insurance? Think Again!https://www.insuraquote.com/blog/2015/03/06/think-you-dont-qualify-for-life-insurance-think-again/
Sat, 07 Mar 2015 05:32:21 +0000https://www.insuraquote.com/blog/?p=50Many individuals with pre-existing health conditions simply don’t apply for life insurance because they think that they won’t qualify. This thought couldn’t be further from the truth. Many individuals with pre-existing health conditions can easily qualify for term and permanent life insurance products. Knowing which carrier to apply for coverage with is the trick.

Every life insurance carrier has its own set of underwriting guidelines to which they adhere to, and they can vary greatly from carrier to carrier. What would be a flat out denial of coverage with company “A” can result in an offer for coverage with company “B”. For example, most people think that an individual that is HIV+ cannot get life insurance at all. Most people would be surprised to hear that there are carriers that will issue both term and permanent coverage for HIV+ individuals. This is just one example of the many misconceptions about life insurance and pre-existing conditions.

The key to finding the best coverage if you have pre-existing conditions is to work with an experienced agency that can recommend the best products for your particular situation. Even if you are in good health you need to work with an agency that knows which carriers will have the most favorable rates for you depending on age, weight, and gender, among other variables.

InsuraQuote represents over 25 of the nation’s top rated life insurance carriers. Every carrier that we represent is “A” rated or better by AM Best. We have the tools, knowledge, and resources to make getting the coverage that you need a pleasant experience and streamlined process. We do all of the work for you. We shop to find the best rates for you and many of the carriers we represent have approved applications by phone (varies by state), saving you both time and money. Contact us today so that we can discuss you coverage options and get you on your way to protecting yourself and your family. Don’t hesitate, call 1-800-692-8635 Today!

Throughout our years of experience and meeting with thousands of clients we have found that a large majority of individuals and families have not prepared a last will and testament.

Having a will is arguably one of the most important things you can do for yourself and your family. Not only can a will legally protect your spouse, children, and assets, it can also spell out exactly how you would like things handled after you have passed on. While each person’s situation varies, here are the top ten reasons to have a will:

1. You decide how your estate will be distributed 2. You decide who will take care of your minor children, if applicable 3. To avoid a lengthy probate process 4. Minimize estate taxes 5. You decide who will wind up the affairs of your estate 6. You can disinherit individuals who would otherwise stand to inherit 7. Make gifts and donations 8. Avoid greater legal challenges 9. Because you can change your mind if your life circumstances change 10. Because tomorrow is not promised

We have formed an exclusive partnership with RocketLawyer, an online provider of professional legal documents to provide all of our clients with the option to complete a last will & testament completely free of charge. All you have to do is complete one of our forms for a free no-obligation life insurance quote and you will be automatically taken to theRocketLawyer website where you can then complete your will absolutely free of charge. Click HERE to get started now. Do it for yourself, but more importantly, do it for your family.

]]>Key tips for first-time life insurance buyershttps://www.insuraquote.com/blog/2014/11/29/key-tips-for-first-time-life-insurance-buyers/
Sun, 30 Nov 2014 05:18:33 +0000https://www.insuraquote.com/blog/?p=24Looking to buy life insurance for the first time? If so, you’re probably asking yourself questions such as “How much do I need?”, “What kind of policy is best?” and “Which company should I buy from?” There’s no question buying life insurance for the first time, like any other new experience, can be more than a bit daunting. Below are five important tips that we hope will make the process smoother, eliminating frustrating false starts and unnecessary bumps in the road.

1. Understand why you need it.

While most people may need life insurance at some point in their life, don’t buy a policy just because you heard it was a good idea.

2. Determine the amount of coverage you need.

The amount of money your family or heirs will receive after your death is called a death benefit. To determine the proper amount of life insurance an online calculator, like the one available at this site, can be helpful. You can also get a ballpark figure using any number of formulas. The easiest way is to simply take your annual salary and multiply by 8.

3. Find the right type of policy.

Once you figure out how much coverage you’ll need, you can think about the best kind of policy to meet your needs. Information on the most common policy types can be found HERE.

4. Look at the quality of the provider.

An insurance policy is only as good as the company that backs it and that’s why we only represent “A” rated or better carriers. Click HERE to view all of the “A” rated or better carriers available to our clients.

5. Follow Through With The Process.

Make sure to correspond with your agent throughout the application process & follow up with any emails or voicemails from your agent. Your agent may have additional requirements from the carrier that must be met before your policy can be issued and it is critical that they are met as soon as possible. Are you ready to prepare for your family’s financial security? Click HEREto get started now or call us at 1-800-692-8635